*Prices are based on a single person living in Sydney earning less than $93,000 per year.
The following table shows insurers from Finder partners that offer gold health insurance policies.
All prices are based on a single individual with less than $93,000 income and living in Sydney.
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| Response | 75+ yrs | 65-74 yrs | 55-64 yrs | 45-54 yrs | 35-44 yrs | 25-34 yrs | 18-24 yrs |
|---|---|---|---|---|---|---|---|
| Yes | 36.36% | 29.07% | 34.16% | 28.99% | 34.05% | 41.58% | 45.88% |
| No | 31.82% | 36.05% | 30.43% | 32.54% | 20% | 23.68% | 10.59% |
| Somewhat | 31.82% | 34.88% | 35.4% | 38.46% | 45.95% | 34.74% | 43.53% |
St. Lukes Health Gold hospital policy is the 2024 gold hospital winner. It covers all 38 hospital treatments for less than almost every other health insurance policy on the market.
Highly commended
Health Partners Gold hospital policy is the 2024 runner up in our gold category. It covers all 38 hospital treatments for less than almost every other health insurance policy on the market.
HBF's Gold hospital Elevate is another highly commended brand in the 2024 gold hospital category. It covers all 38 hospital treatments and comes with several unique perks across the board.
Gold-tier hospital insurance covers all 38 treatments outlined by the Australian government. This includes treatments like joint replacements, pregnancy and insulin pumps, as well as all services covered by Silver-tier policies.
Silver-tier hospital insurance covers at least 26 treatments outlined by the Australian government. This includes treatments like dental surgery, lung and chest, and podiatric surgery, as well as all services covered by Bronze-tier policies.
Basic-tier hospital insurance isn't required to fully cover any treatments outlined by the Australian government, but it does need to have restricted cover for rehabilitation, hospital psychiatric services and palliative care. Generally, Basic cover is primarily used to avoid the Medicare Levy Surcharge and Lifetime Health Cover loading.
*Average prices updated March 2024, in line with Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income and living in Sydney with a $750 excess.
The cost of gold-tier hospital insurance varies by state, because the cost of care is different across Australia. The table below lays out the average and minimum monthly premiums in the Finder health insurance database.
| Average monthly premium | Lowest monthly premium | |
|---|---|---|
| NSW | $219.35 | $162.44 |
| QLD | $234.21 | $176.69 |
| VIC | $243.24 | $173.09 |
| TAS | $211.86 | $166.62 |
| SA | $201.28 | $158.00 |
| NT | $137.48 | $86.62 |
| WA | $189.28 | $138.56 |
*Average prices are updated March 2024, in line with Finder's database of health insurance policies. Prices are based on a single individual with less than $93,000 income with a $750 excess.
If you're starting a family and want to have access to a private room during childbirth, you're going to want a gold hospital policy. Benefits only available on gold policies include:
Getting older means you're more susceptible to certain conditions – gold coverage includes a range of treatments that are especially useful to older Australians. A few examples that are helpful for seniors include:
There are many other treatments only covered under gold-tier health insurance policies which may be essential for some people. Here are a few gold treatments that could apply to you:
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